FHA Loan Limits in Lane County, Oregon (2026)
From Lane County, FHA buyers in Lane County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Pacific Northwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Lane County to the edges of Lane County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Multnomah and Washington Counties.
What can you buy with FHA in Lane County?
An FHA buyer near Lane County faces an estimated $470,000 median, a $16,450 down payment, and — after Oregon's 0.93% property tax — a monthly cost around $3,530. That suits household income of roughly $137,000, above Oregon's $76,632 median household income, so budget carefully.
FHA payment scenarios in Lane County
Here is what an FHA payment looks like at three Lane County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $338,000 | $11,830 | $2,572 |
| Local median — $470,000 | $16,450 | $3,530 |
| At the FHA limit — $541,287 | $18,945 | $4,048 |
Estimates include FHA MIP plus Oregon property taxes and insurance. Rates move daily near Lane County too — get notified.
First-time buyers make up much of FHA activity in Lane County and across Lane County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,450 needed on a median Lane County home.
Multi-unit FHA limits in Lane County
Looking at a duplex or fourplex near Lane County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lane County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Lane County for 2026?
- In Lane County (Lane County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Lane County with FHA?
- For a median-priced ($470,000) Lane County home, plan on income around $137,000 at a 31% housing ratio — about $3,530/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lane County?
- 3.5% with a 580+ score — roughly $16,450 on a $470,000 Lane County-area home. Gift funds are allowed.
- Is Lane County a high-cost FHA area?
- No — Lane County uses the $541,287 national floor for one unit.